Employee vs. Employer Contributions
When dividing the Stored Energy Holdings 401(k) Plan, it’s vital to distinguish between two sources of funds:
- Employee Contributions: Typically 100% vested and easier to split under a QDRO.
- Employer Contributions: Often subject to vesting schedules that impact how much is actually available to divide.
If the employee-spouse is not fully vested in employer contributions, the non-employee spouse may receive less than expected. A well-drafted QDRO can address this by specifying how unvested amounts are treated if they later become vested post-divorce.

